MONEY MATTERS
Build Something Beautiful This Fall
Tackle your to-do list this season with financing that works as hard as you do. Whether you’re updating your kitchen, insulating your home for winter, or taking care of overdue repairs, Deepwater Industries FCU offers flexible financing to help you get the job done — affordably.
- Use your equity for renovations, upgrades, or seasonal expenses
Choose the option that fits your budget and project timeline
Apply online, in person, or by phone
Don’t Miss Our Pumpkin-Perfect Rates!
- Home Equity Line of Credit (HELOC)
- Variable APR as low as 7.50% APR*
- Fixed-Rate Home Equity Loan
- As low as 4.49% APR**
Start Saving Today!
- Verify your current balance on other credit cards
- Call or fax your balance information, and we’ll handle the details.
Manage your card with eZCard:
- View your balances and available credit online.
- Make payments and view statements.
- Sign up for purchase alerts for added security.
Let’s bring your vision to life!
Apply today at deepwaterind.org or call 856-299-1279.
*APR=Annual Percentage Rate. Rates are effective 9/1/2025 through 10/31/2025. The APR is variable and may increase after the account is opened. Subject to credit approval and to change without prior notice. Members must have an account in good standing.
**Annual Percentage Rate. Rates effective 9/1/2025 through 10/31/2025. Your rate may vary based upon term, your credit history and lien position. Subject to change without prior notice. Members must have an account in good standing.
Transfer & SAVE: 2.99% APR* for 12 Months!
High-rate credit card debt weighing you down? Take control — and start saving — with a Deepwater Visa Balance Transfer.
How you’ll save:
- 2.99% APR* for 12 months
- No balance transfer fees
- Immediate savings and faster payoff potential
Whether you’re consolidating debt before the holidays or looking to simplify payments, now’s the perfect time to make your move.
Apply today and give your budget some breathing room — you’ll love the savings!
*APR = Annual Percentage Rate. Promotional rate valid on qualifying balance transfers for 12 months from the date of transfer.
Rate reverts to standard APR after the promotional period. Terms and conditions apply.
Stay Connected with Us on Instagram!
Follow us @deepwater_fcu to stay updated with the latest news, events, and exclusive member content. Connect with our community, find financial tips, and get a glimpse behind the scenes at your favorite credit union. See you there!
International Credit Union Day: A Celebration of Cooperative Values
The New Year is a time of renewal; use it to make bold financial changes.
International Credit Union Day. This day highlights the cooperative spirit that makes credit unions unique — putting people over profits and fostering a sense of community.
Unlike banks, credit unions are not-for-profit, returning earnings to members through lower loan rates, higher savings rates, and fewer fees. Driven by the philosophy of “people helping people,” credit unions work to improve the financial well-being of their members rather than maximizing profits.
This year’s theme, “One World Through Cooperative Finance,” highlights the global influence of credit unions in empowering individuals. By providing access to affordable financial services, credit unions help strengthen economic resilience in communities around the world, creating lasting positive change for millions of members.
As a member of Deepwater Industries FCU, you’re not just a customer — you’re an owner. Every dollar you save or borrow strengthens the entire credit union community. This International Credit Union Day, let’s celebrate the power of cooperation and the difference we make together
Protect Your Wallet This Holiday Season
Stay cyber smart and shop safely — online and in-store.
Fraudsters get busier during the holidays — just like the rest of us. Stay one step ahead with these smart cybersecurity tips.
Use Strong Passwords – Avoid reusing passwords across accounts. A password manager can help you stay secure and organized.
Enable Two-Factor Authentication – Add an extra layer of protection to your digital accounts.
Avoid Public Wi-Fi for Banking – Use secure, private networks when accessing sensitive information.
Watch for Phishing Scams – Don’t click on suspicious links or respond to urgent messages asking for personal info.
Set Up Alerts and Monitor Accounts – Keep an eye on your statements and enable notifications to catch fraud quickly.
If you spot suspicious activity, contact us right away — we’re here to help protect your financial security.
Security First
Whether you’re shopping online or in-store, protect your information with these holiday-savvy habits.
- Stick With Trusted Retailers – Use reputable websites and steer clear of pop-up ads and unfamiliar links.
- Check for HTTPS – Only enter payment details on secure sites that begin with “https.”
- Use Credit Instead of Debit – Credit cards often offer stronger fraud protection.
- Be Cautious of Scams – Watch for fake shipping texts, bogus charities, and too-good- to-be-true offers.
- Avoid Saving Payment Info – When possible, skip the “remember this card” option.
- Try Contactless Pay – Apple Pay® and Google Pay® offer secure, convenient checkout.
- Review Statements Frequently – Stay on top of your accounts and report unauthorized charges promptly. Shop smart and stay secure — your financial safety is the best gift of all.
Winter Prep Starts Now
As temperatures drop, it’s the perfect time to warm up your finances. Thoughtful planning now can help you save on seasonal expenses, reduce stress during the holidays, and start the new year with confidence.
Here are some practical, money-saving ideas to keep your budget in great shape all winter long:
Set a Holiday Spending Plan
Create a realistic budget for gifts, gatherings, and travel — and stick to it. Using cash or debit instead of credit can help you avoid overspending and post-holiday debt.
Heat Your Home Efficiently
Energy bills tend to rise in winter, but a few minor adjustments can help:
- Lower your thermostat a few degrees and layer up
- Use a programmable thermostat to save while you sleep or work
- Seal windows, doors, and outlets to keep the cold out
- Wrap older windows with insulation film for a DIY boost
- Schedule a furnace tune-up and replace filters regularly
Trim the Extras
It’s an ideal time to review subscriptions and automatic charges. Cancel streaming services, apps, or memberships you’re not using and redirect those funds toward utilities, savings, or seasonal needs.
Build Your Emergency Fund
Winter storms, unexpected repairs, or medical expenses can hit hard. Try to set aside even a small cushion to cover surprise costs without relying on credit cards.
Shop Smart for Travel
If you’re traveling for the holidays, book early and use credit card rewards or loyalty points to offset expenses. Look for discounts through member perks and consider off-peak dates to save even more.
Prep for the Year Ahead
Use the cooler months to:
- Review your budget and financial goals for the coming year
- Plan major expenses or savings milestones
- Schedule time to review your credit report, insurance coverage, or retirement contributions
- Do a quick tax check – Consider any last-minute deductions, charitable donations, or adjustments to your withholding before year-end
We’re here to help you stay financially cozy—this season and beyond. Visit deepwater- ind.org to learn more.
Stay Active, Save More!
It pays to be a participating member at Deepwater Industries.
What is a Trusted Contact Person?
As a not-for-profit financial cooperative, Deepwater Industries FCU is owned by you — our members. That means when you stay active and engaged with us, it not only benefits your finances but also strengthens the credit union for everyone.
Here are a few easy ways to help us serve you better — while avoiding unnecessary fees:
- Make Timely Loan Payments - If your loan payment is due on the 1st, please be sure funds are in your account by the last day of the previous month to avoid issues or delays.
- Avoid the $5 Inactive Account Fee - A single deposit, withdrawal each year keeps your account active and your membership in good standing.
- Go Green with E-Statements - Signing up for electronic statements is fast, free, and helps you avoid a $2 monthly paper statement fee — plus, it’s better for the environment.
- Keep Your Contact Info Current - If you’ve moved or changed your number, please update your information via Online Banking or by stopping in. It ensures the timely delivery of important notices and account alerts.
- Make Sure Your ID Is Valid - We’re required to have a current, unexpired form of identification on file. If yours has changed or expired, bring it in so we can update your records.
Thank you for being an active part of Deepwater Industries FCU. Your participation helps us keep fees low, rates competitive, and services strong — for everyone.
Account Information Update
Please let us know if you have a new address, phone number, or email address. Having
your updated information ensures we can reach you when needed. It also keeps your
data safe and secure!
Treat Yo’Elf to a Break This Holiday
The holidays are busy — and your budget deserves a break.
With Deepwater’s Holiday Skip-A-Pay, you can skip your loan payment for December, January, or both and keep more cash for gifts, travel, and festive fun.
Cozy up with extra room in your wallet — just in time for the season!
How It Works:
- Choose to skip your qualifying December and/or January loan payment(s)
- A $35 processing fee applies for each skipped payment
- Loan must be in good standing and current for at least 6 months
These precautions let you shop with peace of mind, knowing your finances are
well-protected. Always stay vigilant and follow best practices to safeguard your information, such as using strong passwords and enabling two-factor authentication
Apply by November 29, 2025
Stop by the branch or download the form at deepwaterind.org to get started.
Subject to credit approval. Terms and conditions apply. Certain loan types, including Visa, mortgages, and home equity loans, are excluded.
Make Next Year’s Holidays Merrier
Join the Deepwater Christmas Club!
Avoid the last-minute stress, overspending, and post-holiday regret. With a Christmas Club Account, you can save all year long — automatically, effortlessly, and joyfully.
Why Members Love It:
Consistent, Painless Savings – Small, regular deposits add up quickly without straining your monthly budget.
Improved Holiday Budgeting – You’ll know exactly how much you’ve saved — and what you can spend — before the season begins.
Less Stress, More Cheer – Skip the credit card crunch and focus on what matters most.
Perfectly Timed Access – Funds are automatically transferred to your account in October, just in time to start shopping.
It’s never too early to plan ahead — and this is one holiday tradition that keeps on giving.
Open your Christmas Club Account today!
Account Information Update
Please let us know if you have a new address, phone number, or email address. Having
your updated information ensures we can reach you when needed. It also keeps your
data safe and secure!
Pay Smarter with Apple Pay® & Google Pay®
Skip the wallet and shop safely with your phone!
Add your Deepwater Industries FCU debit or credit card to your mobile wallet and enjoy:
- Fast, secure checkout
- Contactless payment options
- Less to carry during busy shopping trips
Perfect for holiday errands, online shopping, and more. Set up your digital wallet today!
Account Information Update
Please let us know if you have a new address, phone number, or email address. Having
your updated information ensures we can reach you when needed. It also keeps your
data safe and secure!
